IL Restoration Group PLLC

06/04/2026

Major shift at State Farm — and policyholders should pay attention.
This is not just about agent pay. This is about incentives.

According to WGLT, State Farm is changing agent contracts effective in 2028, eliminating a deferred compensation program many agents viewed as retirement support, ending health insurance offerings, and reducing base compensation.

The bigger issue for policyholders is the direction of the incentive structure. WGLT reported that agents described the new model as moving away from compensation tied to retaining and servicing an existing book of business and toward compensation based on writing new business.

Translation: the “good neighbor” model may be giving way to a growth, volume, and digital-sales model.

That matters in claims.

For years, policyholders believed their local agent could be an ally when a claim was mishandled. But if the book of business is worth less to the agent, assigned customers are compensated differently, and agents are pushed to sell more instead of service more, policyholders should not assume the agent has the same ability or incentive to fight for them.

This does not mean every State Farm agent stopped caring. Many do care. Many are upset too.

But policyholders need to understand the reality: your claim is governed by the policy, the facts, the estimate, the damages, the building code, and the claim file — not a slogan.

When a carrier underpays or denies a covered loss, do not rely on “good neighbor” branding.

Get the denial or estimate in writing. Demand the policy language.
Document the damage.
Know the code requirements.
Preserve your rights.

Insurance is a contract. Claims should be paid according to the policy — not according to a company’s new sales model.

https://www.wglt.org/local-news/2026-06-02/boiling-mad-and-fearing-an-uncertain-future-state-farm-agents-react-to-contract-changes?fbclid=IwdGRzaASMkphjbGNrBIySkWV4dG4DYWVtAjExAHNydGMGYXBwX2lkDDM1MDY4NTUzMTcyOAABHqot9UVmEId5p5N0-oky3sF0DHQRtpmUOsAvgnVirTWbjBAHouSUmziMJ6xl_aem_FF0qdszSRVnNUS6Ivvdyew

Many State Farm agents said they feel angry and betrayed by the Bloomington-based company.

04/22/2026

We have the whole block getting new roofs in Darien over here!!!!

04/22/2026

Another approval in Darien this morning!

04/06/2026

03/29/2026

833 333 4574

03/23/2026

Downers Grove homeowners — don’t miss this.

We met with an insurance adjuster on a local roof today and uncovered extensive storm damage that wasn’t obvious from the ground. Situations like this are more common than you think—and waiting can cost you.

If your home was hit recently, now’s the time to get a professional set of eyes on it. We’ll walk you through the condition of your roof and help you understand your next steps with confidence.

📞 833-333-4574
Let’s make sure your home is fully protected.

03/23/2026

Another Approved roof, siding, gutters in Daren, IL

03/22/2026

Darien homeowners—did the recent hailstorm hit your roof?

We just secured a full roof replacement approval in Darien, IL after the major hail storm—and your home could have similar damage.

If you’re in Darien or nearby areas, now is the time to act. Hidden roof damage can lead to costly issues if left untreated. Our team provides free, no-obligation inspections and handles the entire process from start to finish—making it simple and stress-free for you.

📞 Call us today: 833-333-4574
We’re ready to help protect your home and restore your roof the right way.

Don’t wait—storm damage doesn’t fix itself.

03/10/2026

🚨03/08/2026 9:30PM: There will be an upgrade from SPC for this circled region below for Tuesday afternoon/evening. Folks, the hype for this IS REAL! If you have any friends or family who live in northwestern Illinois, make sure they are aware of Tuesday.🚨

SPC will 100% upgrade this area to a Moderate Risk (level 4/5) for Tuesday. This will be for MASSIVE HAIL AND TORNADOES!

Timing for this region: 4PM-9PM CDT!

(Those in southern Illinois, we won’t have to worry about this threat, I will update what to expected for us Wednesday)

Stay tuned!!

12/23/2025

“State Farm Dodged Billions in 2018 Settlement, Now Faces Fresh RICO Charges in Oklahoma …

On Dec. 4, Attorney General Gentner Drummond filed a petition accusing State Farm of violating ORICO, Oklahoma’s version of the Racketeer Influenced and Corrupt Organizations Act (1970), the so-called RICO laws that were passed to dismantle La Cosa Nostra, the Italian mafia. …

Drummond’s petition is an attempt to intervene in the most public-facing of as many as 200 cases that have been brought against State Farm in Oklahoma, alleging a practice of pre-denying claims of hail and wind damage to the roofs of policyholders. …

The McKinsey report is the equivalent of the internal documents now being sought by the attorney general in order to prove that State Farm is guilty of racketeering. ….”